اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ.
O Allah, I seek refuge in You from worry and grief. I seek refuge in You from helplessness and laziness. I seek refuge in You from cowardice and stinginess. I seek refuge in You from being overwhelmed by debt and from the domination of men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This powerful dua is particularly relevant during times of social unrest when financial burdens can feel amplified. Recite it whenever you feel the weight of debt pressing down, especially when external factors like societal instability make earning and repayment more challenging. It's also beneficial to make it a regular practice to ward off such afflictions.
How to Read
Recite this dua with sincere conviction and a humble heart. It is recommended to raise your hands slightly, as is customary when making supplication. Focus on the meaning of each phrase, truly seeking Allah's protection from these specific trials. Making this dua after your obligatory prayers is also a highly recommended practice.
Virtues & Benefits
This dua is comprehensive, seeking refuge from not only debt but also the underlying emotional distress (worry and grief) and the character flaws (helplessness, laziness, cowardice, stinginess) that can contribute to or exacerbate financial difficulties. By seeking Allah's protection from 'being overwhelmed by debt and the domination of men,' the Prophet Muhammad ﷺ directly addressed the fear of insurmountable debt and the potential humiliation or hardship that can come from creditors or societal pressures.
Source & Authentication
Narrated Abu Huraira: The Prophet (ﷺ) used to invoke: 'O Allah! I seek refuge in You from worry and grief, from helplessness and laziness, from cowardice and miserliness, and from the overpowering of debt and the subjugation of men.' (Sahih al-Bukhari 5893)